In as much as investing 100% could be risk or over investing but with this method you have explained I think it will be very difficult to get into trouble during the accumulation process because you have already eliminated any possible risk that could arise along the line, actually this method has been very helpful for so many investors today and funny enough I have make use of this method sometimes, especially when I'm very close to receiving my monthly salary and by then I have cleared all possible needs that would arise so I will then putting 100% percent of my available funds at that moment while waiting for the salary to come so that I could balance the equation and from their continues my DCA.
Actually I only use that method whenever I feel I'm free from any needs and my monthly salary is very close, however it takes a proper understanding for an investor not to make a mistake on this method because like you have explained that investing 100% is only good before the pay period so that they will not ran into trouble but funny enough most investors will still be aggressive trying to be greedy.
Investing 100% of your income is extremely risky. You may need money at any time. You must keep some amount of cash with you to face any danger. Moreover, if you do not invest in Bitcoin for a long time, the chances of earning from it are very low. So you must invest 20 to 30% of your income so that you do not have to use money from Bitcoin if you need anything in your daily life and do not withdraw money from Bitcoin to face any danger. Your goal should be not to keep and sell bitcoins, to invest using the DCA method until you get the expected amount of money and hold it for a long time, later you will see that you are able to make more money than you expected.